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Difference Between Top Up And Super Top Up Health Insurance Plans

Published On Jan 05, 2022 10:00 AM By InsuranceDekho

The growing COVID-19 epidemic has caused the entire world to wake up and realise that medical issues can hit at any time and cause a difficult-to-manage financial disaster. As the COVID-19 disease has spread rapidly around the world, people have realised the need of having reliable health insurance coverage, which provides much-needed protection in tough times.

Health insurance is a type of insurance that covers the costs of medical or surgical treatment for the insured. The fundamental objective of health insurance is to protect your money in the case of a medical emergency while the policy is in effect. Health insurance coverage is commonly misunderstood to simply cover hospitalisation costs. This is not the case, though. Some of the best health insurance programmes also include extra coverage and perks. To understand more about the difference between top up and super top up health insurance plans, read on.

Difference Between Top Up And Super Top Up Health Insurance Plans

Difference Between Top Up And Super Top Up Health Plans 

Following are the differences top up and super top up health insurance plans -

It's not simple to pick the greatest health insurance coverage. Before making a final selection, a buyer must evaluate a variety of factors like premium, qualifying age, coverage features, exclusions, and many more. Another important element to consider is the level of insurance coverage. The total insured amount is quite important since it is the factor that determines how secure your health insurance coverage is. If the sum insured is insufficient, the treatment quality will be compromised, and in some cases, no treatment will be provided. It can potentially lead to a policyholder having to spend their money.

Top-up and super-top-up plans are especially intended to guarantee that a policyholder's coverage amount is not compromised. Top-up and super-top-up policies are always available, giving policyholders additional coverage by raising their sum insured amount beyond their existing coverage. The nicest thing about top-up and super-top-up insurance is that they keep you from having to buy a new policy.

Top-up health insurance policies give additional coverage over and beyond the threshold limit (deductibles) of an insured person's existing health plan. In other words, a top-up plan only covers one hospitalisation and reimburses expenditures that exceed the base coverage.

Super top-up health insurance policies, on the other hand, cover the complete cost of all hospitalisation costs beyond the threshold amount. To put it another way, a super top-up policy takes into account the amount of all invoices presented, regardless of whether they are for a single or several diseases.

Which One Is Better? - Top Up vs. Super Top Up

A top-up plan might be preferable for you if you believe your current health insurance plan is insufficient and won't help you get the coverage you need in the event of a major medical emergency. Second, if you do not have a chronic condition or are not at risk of dying, a top-up plan may be appropriate.

If you are already at danger of being hospitalised more than once a year owing to chronic conditions, a super top-up plan would be the best option for you. Rest confident that paying the premium would be less expensive in this situation than spending all of your savings on hospitalisation costs.

According to experts, a Super top-up plan should be chosen to cover the possibility of chronic illnesses needing more than one hospitalisation each year. In addition, the price is affordable when compared to the cost of purchasing a separate health plan with a greater coverage amount. Furthermore, it is appropriate for older persons who often have medical treatments.


Top-up policies and super top-up policies are both meant to ensure that a policyholder's health insurance coverage does not run out in the event of a medical emergency. A top-up or super-top-up plan should be chosen based on one's needs in order to enjoy longer coverage without having to purchase a fully new health insurance policy.

Also read - Benefits of Health Insurance

Disclaimer: This article is issued in the general public interest and meant for general information purposes only. Readers are advised not to rely on the contents of the article as conclusive in nature and should research further or consult an expert in this regard.

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